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The following commit(s) were added to refs/heads/develop by this push:
new e326ed4b8a FINERACT-2260: added e2e tests for incorrect interest
handling in case of early repayment
e326ed4b8a is described below
commit e326ed4b8a1b085748d438988c3940e2c6df565c
Author: mdmytriv <[email protected]>
AuthorDate: Thu Apr 17 18:06:34 2025 +0300
FINERACT-2260: added e2e tests for incorrect interest handling in case of
early repayment
---
.../test/resources/features/LoanRepayment.feature | 632 ++++++++++++++++++++-
1 file changed, 631 insertions(+), 1 deletion(-)
diff --git
a/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
b/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
index 6968fe0a3e..e69a457e0e 100644
---
a/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
+++
b/fineract-e2e-tests-runner/src/test/resources/features/LoanRepayment.feature
@@ -4570,7 +4570,7 @@ Feature: LoanRepayment
Then Loan has 0 outstanding amount
@TestRailId:C3589
- Scenario: Verify early repayment on high interest loan works properly and
align the interest properly
+ Scenario: Verify early repayment on high interest loan works properly and
align the interest properly - UC1
When Admin sets the business date to "10 April 2025"
When Admin creates a client with random data
When Admin creates a fully customized loan with the following data:
@@ -4667,6 +4667,636 @@ Feature: LoanRepayment
| 13 April 2025 | Accrual | 0.7 | 0.0 | 0.7 |
0.0 | 0.0 | 0.0 | false | false |
| 14 April 2025 | Accrual | 0.9 | 0.0 | 0.9 |
0.0 | 0.0 | 0.0 | false | false |
+ @TestRailId:C3614
+ Scenario: Verify early repayment on high interest loan works properly and
align the interest properly while increase interest rate - UC2
+ When Admin sets the business date to "10 April 2025"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct |
submitted on date | with Principal | ANNUAL interest rate % | interest type
| interest calculation period | amortization type | loanTermFrequency |
loanTermFrequencyType | repaymentEvery | repaymentFrequencyType |
numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment |
interest free period | Payment strategy |
+ | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10
April 2025 | 1001 | 17 | DECLINING_BALANCE |
DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS
| 1 | MONTHS | 24 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "10 April 2025" with "1001"
amount and expected disbursement date on "10 April 2025"
+ When Admin successfully disburse the loan on "10 April 2025" with "1001"
EUR transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | | 965.69
| 35.31 | 14.18 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 2 | 31 | 10 June 2025 | | 929.88
| 35.81 | 13.68 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 3 | 30 | 10 July 2025 | | 893.56
| 36.32 | 13.17 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 4 | 31 | 10 August 2025 | | 856.73
| 36.83 | 12.66 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 5 | 31 | 10 September 2025 | | 819.38
| 37.35 | 12.14 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 6 | 30 | 10 October 2025 | | 781.5
| 37.88 | 11.61 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 7 | 31 | 10 November 2025 | | 743.08
| 38.42 | 11.07 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 8 | 30 | 10 December 2025 | | 704.12
| 38.96 | 10.53 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 9 | 31 | 10 January 2026 | | 664.61
| 39.51 | 9.98 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 10 | 31 | 10 February 2026 | | 624.54
| 40.07 | 9.42 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 11 | 28 | 10 March 2026 | | 583.9
| 40.64 | 8.85 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 12 | 31 | 10 April 2026 | | 542.68
| 41.22 | 8.27 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 13 | 30 | 10 May 2026 | | 500.88
| 41.8 | 7.69 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 14 | 31 | 10 June 2026 | | 458.49
| 42.39 | 7.1 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 15 | 30 | 10 July 2026 | | 415.5
| 42.99 | 6.5 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 16 | 31 | 10 August 2026 | | 371.9
| 43.6 | 5.89 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 17 | 31 | 10 September 2026 | | 327.68
| 44.22 | 5.27 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 18 | 30 | 10 October 2026 | | 282.83
| 44.85 | 4.64 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 19 | 31 | 10 November 2026 | | 237.35
| 45.48 | 4.01 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 20 | 30 | 10 December 2026 | | 191.22
| 46.13 | 3.36 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 21 | 31 | 10 January 2027 | | 144.44
| 46.78 | 2.71 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 22 | 31 | 10 February 2027 | | 97.0
| 47.44 | 2.05 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 23 | 28 | 10 March 2027 | | 48.88
| 48.12 | 1.37 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 48.88 | 0.69 | 0.0 | 0.0 | 49.57 | 0.0 | 0.0 |
0.0 | 49.57 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 186.84 | 0.0 | 0.0 | 1187.84 | 0.0 | 0.0
| 0.0 | 1187.84 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ When Admin runs inline COB job for Loan
+ When Admin sets the business date to "13 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 |
0.0 | 0.0 | 0.0 | false | false |
+ And Customer makes "AUTOPAY" repayment on "10 April 2025" with 130 EUR
transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 10 April 2025 | 951.51
| 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 10 April 2025 | 902.02
| 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | | 852.53
| 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 31.02 | 31.02 |
0.0 | 18.47 |
+ | 4 | 31 | 10 August 2025 | | 852.14
| 0.39 | 49.1 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 5 | 31 | 10 September 2025 | | 814.72
| 37.42 | 12.07 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 6 | 30 | 10 October 2025 | | 776.77
| 37.95 | 11.54 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 7 | 31 | 10 November 2025 | | 738.28
| 38.49 | 11.0 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 8 | 30 | 10 December 2025 | | 699.25
| 39.03 | 10.46 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 9 | 31 | 10 January 2026 | | 659.67
| 39.58 | 9.91 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 10 | 31 | 10 February 2026 | | 619.53
| 40.14 | 9.35 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 11 | 28 | 10 March 2026 | | 578.82
| 40.71 | 8.78 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 12 | 31 | 10 April 2026 | | 537.53
| 41.29 | 8.2 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 13 | 30 | 10 May 2026 | | 495.66
| 41.87 | 7.62 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 14 | 31 | 10 June 2026 | | 453.19
| 42.47 | 7.02 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 15 | 30 | 10 July 2026 | | 410.12
| 43.07 | 6.42 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 16 | 31 | 10 August 2026 | | 366.44
| 43.68 | 5.81 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 17 | 31 | 10 September 2026 | | 322.14
| 44.3 | 5.19 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 18 | 30 | 10 October 2026 | | 277.21
| 44.93 | 4.56 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 19 | 31 | 10 November 2026 | | 231.65
| 45.56 | 3.93 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 20 | 30 | 10 December 2026 | | 185.44
| 46.21 | 3.28 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 21 | 31 | 10 January 2027 | | 138.58
| 46.86 | 2.63 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 22 | 31 | 10 February 2027 | | 91.05
| 47.53 | 1.96 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 23 | 28 | 10 March 2027 | | 42.85
| 48.2 | 1.29 | 0.0 | 0.0 | 49.49 | 0.0 | 0.0 |
0.0 | 49.49 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 42.85 | 0.61 | 0.0 | 0.0 | 43.46 | 0.0 | 0.0 |
0.0 | 43.46 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 180.73 | 0.0 | 0.0 | 1181.73 | 130.0 |
130.0 | 0.0 | 1051.73 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 |
0.0 | 0.0 | 871.0 | false | false |
+ | 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 |
0.0 | 0.0 | 0.0 | false | false |
+# --- Loan reschedule: Interest rate modification effective from next day ---
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate |
graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 14 April 2025 | 13 April 2025 | |
| | | 38 |
+ When Admin sets the business date to "14 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 10 April 2025 | 951.51
| 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 10 April 2025 | 902.02
| 49.49 | 0.0 | 0.0 | 0.0 | 49.49 | 49.49 | 49.49 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | | 842.82
| 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 31.02 | 31.02 |
0.0 | 28.18 |
+ | 4 | 31 | 10 August 2025 | | 842.82
| 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 5 | 31 | 10 September 2025 | | 842.82
| 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 6 | 30 | 10 October 2025 | | 823.73
| 19.09 | 40.11 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 7 | 31 | 10 November 2025 | | 790.0
| 33.73 | 25.47 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 8 | 30 | 10 December 2025 | | 755.2
| 34.8 | 24.4 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 9 | 31 | 10 January 2026 | | 719.3
| 35.9 | 23.3 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 10 | 31 | 10 February 2026 | | 682.26
| 37.04 | 22.16 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 11 | 28 | 10 March 2026 | | 644.05
| 38.21 | 20.99 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 12 | 31 | 10 April 2026 | | 604.63
| 39.42 | 19.78 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 13 | 30 | 10 May 2026 | | 563.96
| 40.67 | 18.53 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 14 | 31 | 10 June 2026 | | 522.0
| 41.96 | 17.24 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 15 | 30 | 10 July 2026 | | 478.72
| 43.28 | 15.92 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 16 | 31 | 10 August 2026 | | 434.06
| 44.66 | 14.54 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 17 | 31 | 10 September 2026 | | 387.99
| 46.07 | 13.13 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 18 | 30 | 10 October 2026 | | 340.46
| 47.53 | 11.67 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 19 | 31 | 10 November 2026 | | 291.43
| 49.03 | 10.17 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 20 | 30 | 10 December 2026 | | 240.84
| 50.59 | 8.61 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 21 | 31 | 10 January 2027 | | 188.65
| 52.19 | 7.01 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 22 | 31 | 10 February 2027 | | 134.81
| 53.84 | 5.36 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 23 | 28 | 10 March 2027 | | 79.26
| 55.55 | 3.65 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 24 | 31 | 10 April 2027 | | 19.42
| 59.84 | 1.89 | 0.0 | 0.0 | 61.73 | 0.0 | 0.0 |
0.0 | 61.73 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 981.58 | 422.33 | 0.0 | 0.0 | 1403.91 | 130.0 | 130.0
| 0.0 | 1273.91 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 |
0.0 | 0.0 | 871.0 | false | false |
+ | 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 |
0.0 | 0.0 | 0.0 | false | false |
+ And Customer makes "AUTOPAY" repayment on "14 April 2025" with 170 EUR
transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 14 April 2025 | 943.95
| 57.05 | 2.15 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 14 April 2025 | 884.75
| 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | 14 April 2025 | 825.55
| 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 |
0.0 | 0.0 |
+ | 4 | 31 | 10 August 2025 | 14 April 2025 | 766.35
| 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 |
0.0 | 0.0 |
+ | 5 | 31 | 10 September 2025 | 14 April 2025 | 707.15
| 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 59.2 | 59.2 |
0.0 | 0.0 |
+ | 6 | 30 | 10 October 2025 | | 647.95
| 59.2 | 0.0 | 0.0 | 0.0 | 59.2 | 4.0 | 4.0 |
0.0 | 55.2 |
+ | 7 | 31 | 10 November 2025 | | 647.95
| 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 8 | 30 | 10 December 2025 | | 647.95
| 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 9 | 31 | 10 January 2026 | | 647.95
| 0.0 | 59.2 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 10 | 31 | 10 February 2026 | | 623.88
| 24.07 | 35.13 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 11 | 28 | 10 March 2026 | | 584.44
| 39.44 | 19.76 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 12 | 31 | 10 April 2026 | | 543.75
| 40.69 | 18.51 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 13 | 30 | 10 May 2026 | | 501.77
| 41.98 | 17.22 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 14 | 31 | 10 June 2026 | | 458.46
| 43.31 | 15.89 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 15 | 30 | 10 July 2026 | | 413.78
| 44.68 | 14.52 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 16 | 31 | 10 August 2026 | | 367.68
| 46.1 | 13.1 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 17 | 31 | 10 September 2026 | | 320.12
| 47.56 | 11.64 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 18 | 30 | 10 October 2026 | | 271.06
| 49.06 | 10.14 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 19 | 31 | 10 November 2026 | | 220.44
| 50.62 | 8.58 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 20 | 30 | 10 December 2026 | | 168.22
| 52.22 | 6.98 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 21 | 31 | 10 January 2027 | | 114.35
| 53.87 | 5.33 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 22 | 31 | 10 February 2027 | | 58.77
| 55.58 | 3.62 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 23 | 28 | 10 March 2027 | | 1.43
| 57.34 | 1.86 | 0.0 | 0.0 | 59.2 | 0.0 | 0.0 |
0.0 | 59.2 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 1.43 | 0.05 | 0.0 | 0.0 | 1.48 | 0.0 | 0.0 |
0.0 | 1.48 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 362.08 | 0.0 | 0.0 | 1363.08 | 300.0 |
300.0 | 0.0 | 1063.08 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 |
0.0 | 0.0 | 871.0 | false | false |
+ | 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 April 2025 | Repayment | 170.0 | 167.85 | 2.15 |
0.0 | 0.0 | 703.15 | false | false |
+ When Admin sets the business date to "15 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 130.0 | 130.0 | 0.0 |
0.0 | 0.0 | 871.0 | false | false |
+ | 11 April 2025 | Accrual | 0.47 | 0.0 | 0.47 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.48 | 0.0 | 0.48 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Accrual | 0.28 | 0.0 | 0.28 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 April 2025 | Repayment | 170.0 | 167.85 | 2.15 |
0.0 | 0.0 | 703.15 | false | false |
+ | 14 April 2025 | Accrual | 0.92 | 0.0 | 0.92 |
0.0 | 0.0 | 0.0 | false | false |
+
+ @TestRailId:C3615
+ Scenario: Verify early repayment on high interest loan works properly and
align the interest properly while reduce interest rate with repayment undo - UC3
+ When Admin sets the business date to "10 April 2025"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct |
submitted on date | with Principal | ANNUAL interest rate % | interest type
| interest calculation period | amortization type | loanTermFrequency |
loanTermFrequencyType | repaymentEvery | repaymentFrequencyType |
numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment |
interest free period | Payment strategy |
+ | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10
April 2025 | 1001 | 36 | DECLINING_BALANCE |
DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS
| 1 | MONTHS | 24 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "10 April 2025" with "1001"
amount and expected disbursement date on "10 April 2025"
+ When Admin successfully disburse the loan on "10 April 2025" with "1001"
EUR transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | | 971.92
| 29.08 | 30.03 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 2 | 31 | 10 June 2025 | | 941.97
| 29.95 | 29.16 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 3 | 30 | 10 July 2025 | | 911.12
| 30.85 | 28.26 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 4 | 31 | 10 August 2025 | | 879.34
| 31.78 | 27.33 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 5 | 31 | 10 September 2025 | | 846.61
| 32.73 | 26.38 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 6 | 30 | 10 October 2025 | | 812.9
| 33.71 | 25.4 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 7 | 31 | 10 November 2025 | | 778.18
| 34.72 | 24.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 8 | 30 | 10 December 2025 | | 742.42
| 35.76 | 23.35 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 9 | 31 | 10 January 2026 | | 705.58
| 36.84 | 22.27 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 10 | 31 | 10 February 2026 | | 667.64
| 37.94 | 21.17 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 11 | 28 | 10 March 2026 | | 628.56
| 39.08 | 20.03 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 12 | 31 | 10 April 2026 | | 588.31
| 40.25 | 18.86 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 13 | 30 | 10 May 2026 | | 546.85
| 41.46 | 17.65 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 14 | 31 | 10 June 2026 | | 504.15
| 42.7 | 16.41 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 15 | 30 | 10 July 2026 | | 460.16
| 43.99 | 15.12 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 16 | 31 | 10 August 2026 | | 414.85
| 45.31 | 13.8 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 17 | 31 | 10 September 2026 | | 368.19
| 46.66 | 12.45 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 18 | 30 | 10 October 2026 | | 320.13
| 48.06 | 11.05 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 19 | 31 | 10 November 2026 | | 270.62
| 49.51 | 9.6 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 20 | 30 | 10 December 2026 | | 219.63
| 50.99 | 8.12 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 21 | 31 | 10 January 2027 | | 167.11
| 52.52 | 6.59 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 22 | 31 | 10 February 2027 | | 113.01
| 54.1 | 5.01 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 23 | 28 | 10 March 2027 | | 57.29
| 55.72 | 3.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 57.29 | 1.72 | 0.0 | 0.0 | 59.01 | 0.0 | 0.0 |
0.0 | 59.01 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 417.54 | 0.0 | 0.0 | 1418.54 | 0.0 | 0.0
| 0.0 | 1418.54 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ When Admin runs inline COB job for Loan
+ When Admin sets the business date to "13 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ And Customer makes "AUTOPAY" repayment on "10 April 2025" with 150 EUR
transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 10 April 2025 | 941.89
| 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 59.11 | 59.11 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 10 April 2025 | 882.78
| 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 59.11 | 59.11 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | | 823.67
| 59.11 | 0.0 | 0.0 | 0.0 | 59.11 | 31.78 | 31.78 |
0.0 | 27.33 |
+ | 4 | 31 | 10 August 2025 | | 823.67
| 0.0 | 59.11 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 5 | 31 | 10 September 2025 | | 823.67
| 0.0 | 59.11 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 6 | 30 | 10 October 2025 | | 797.06
| 26.61 | 32.5 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 7 | 31 | 10 November 2025 | | 761.86
| 35.2 | 23.91 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 8 | 30 | 10 December 2025 | | 725.61
| 36.25 | 22.86 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 9 | 31 | 10 January 2026 | | 688.27
| 37.34 | 21.77 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 10 | 31 | 10 February 2026 | | 649.81
| 38.46 | 20.65 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 11 | 28 | 10 March 2026 | | 610.19
| 39.62 | 19.49 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 12 | 31 | 10 April 2026 | | 569.39
| 40.8 | 18.31 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 13 | 30 | 10 May 2026 | | 527.36
| 42.03 | 17.08 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 14 | 31 | 10 June 2026 | | 484.07
| 43.29 | 15.82 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 15 | 30 | 10 July 2026 | | 439.48
| 44.59 | 14.52 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 16 | 31 | 10 August 2026 | | 393.55
| 45.93 | 13.18 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 17 | 31 | 10 September 2026 | | 346.25
| 47.3 | 11.81 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 18 | 30 | 10 October 2026 | | 297.53
| 48.72 | 10.39 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 19 | 31 | 10 November 2026 | | 247.35
| 50.18 | 8.93 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 20 | 30 | 10 December 2026 | | 195.66
| 51.69 | 7.42 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 21 | 31 | 10 January 2027 | | 142.42
| 53.24 | 5.87 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 22 | 31 | 10 February 2027 | | 87.58
| 54.84 | 4.27 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 23 | 28 | 10 March 2027 | | 31.1
| 56.48 | 2.63 | 0.0 | 0.0 | 59.11 | 0.0 | 0.0 |
0.0 | 59.11 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 31.1 | 0.93 | 0.0 | 0.0 | 32.03 | 0.0 | 0.0 |
0.0 | 32.03 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 390.56 | 0.0 | 0.0 | 1391.56 | 150.0 |
150.0 | 0.0 | 1241.56 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 |
0.0 | 0.0 | 851.0 | false | false |
+ | 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ When Customer undo "1"th "Repayment" transaction made on "10 April 2025"
+# --- Loan reschedule: Interest rate modification effective from next day ---
+ When Admin creates and approves Loan reschedule with the following data:
+ | rescheduleFromDate | submittedOnDate | adjustedDueDate |
graceOnPrincipal | graceOnInterest | extraTerms | newInterestRate |
+ | 14 April 2025 | 13 April 2025 | |
| | | 12 |
+ When Admin sets the business date to "14 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | | 965.8
| 35.2 | 12.01 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 2 | 31 | 10 June 2025 | | 928.25
| 37.55 | 9.66 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 3 | 30 | 10 July 2025 | | 890.32
| 37.93 | 9.28 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 4 | 31 | 10 August 2025 | | 852.01
| 38.31 | 8.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 5 | 31 | 10 September 2025 | | 813.32
| 38.69 | 8.52 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 6 | 30 | 10 October 2025 | | 774.24
| 39.08 | 8.13 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 7 | 31 | 10 November 2025 | | 734.77
| 39.47 | 7.74 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 8 | 30 | 10 December 2025 | | 694.91
| 39.86 | 7.35 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 9 | 31 | 10 January 2026 | | 654.65
| 40.26 | 6.95 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 10 | 31 | 10 February 2026 | | 613.99
| 40.66 | 6.55 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 11 | 28 | 10 March 2026 | | 572.92
| 41.07 | 6.14 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 12 | 31 | 10 April 2026 | | 531.44
| 41.48 | 5.73 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 13 | 30 | 10 May 2026 | | 489.54
| 41.9 | 5.31 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 14 | 31 | 10 June 2026 | | 447.23
| 42.31 | 4.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 15 | 30 | 10 July 2026 | | 404.49
| 42.74 | 4.47 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 16 | 31 | 10 August 2026 | | 361.32
| 43.17 | 4.04 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 17 | 31 | 10 September 2026 | | 317.72
| 43.6 | 3.61 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 18 | 30 | 10 October 2026 | | 273.69
| 44.03 | 3.18 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 19 | 31 | 10 November 2026 | | 229.22
| 44.47 | 2.74 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 20 | 30 | 10 December 2026 | | 184.3
| 44.92 | 2.29 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 21 | 31 | 10 January 2027 | | 138.93
| 45.37 | 1.84 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 22 | 31 | 10 February 2027 | | 93.11
| 45.82 | 1.39 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 23 | 28 | 10 March 2027 | | 46.83
| 46.28 | 0.93 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 46.83 | 0.47 | 0.0 | 0.0 | 47.3 | 0.0 | 0.0 |
0.0 | 47.3 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 132.13 | 0.0 | 0.0 | 1133.13 | 0.0 | 0.0
| 0.0 | 1133.13 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 |
0.0 | 0.0 | 851.0 | true | false |
+ | 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ And Customer makes "AUTOPAY" repayment on "14 April 2025" with 120 EUR
transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 14 April 2025 | 957.13
| 43.87 | 3.34 | 0.0 | 0.0 | 47.21 | 47.21 | 47.21 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 14 April 2025 | 909.92
| 47.21 | 0.0 | 0.0 | 0.0 | 47.21 | 47.21 | 47.21 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | | 862.71
| 47.21 | 0.0 | 0.0 | 0.0 | 47.21 | 25.58 | 25.58 |
0.0 | 21.63 |
+ | 4 | 31 | 10 August 2025 | | 849.47
| 13.24 | 33.97 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 5 | 31 | 10 September 2025 | | 810.75
| 38.72 | 8.49 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 6 | 30 | 10 October 2025 | | 771.65
| 39.1 | 8.11 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 7 | 31 | 10 November 2025 | | 732.16
| 39.49 | 7.72 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 8 | 30 | 10 December 2025 | | 692.27
| 39.89 | 7.32 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 9 | 31 | 10 January 2026 | | 651.98
| 40.29 | 6.92 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 10 | 31 | 10 February 2026 | | 611.29
| 40.69 | 6.52 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 11 | 28 | 10 March 2026 | | 570.19
| 41.1 | 6.11 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 12 | 31 | 10 April 2026 | | 528.68
| 41.51 | 5.7 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 13 | 30 | 10 May 2026 | | 486.76
| 41.92 | 5.29 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 14 | 31 | 10 June 2026 | | 444.42
| 42.34 | 4.87 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 15 | 30 | 10 July 2026 | | 401.65
| 42.77 | 4.44 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 16 | 31 | 10 August 2026 | | 358.46
| 43.19 | 4.02 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 17 | 31 | 10 September 2026 | | 314.83
| 43.63 | 3.58 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 18 | 30 | 10 October 2026 | | 270.77
| 44.06 | 3.15 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 19 | 31 | 10 November 2026 | | 226.27
| 44.5 | 2.71 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 20 | 30 | 10 December 2026 | | 181.32
| 44.95 | 2.26 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 21 | 31 | 10 January 2027 | | 135.92
| 45.4 | 1.81 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 22 | 31 | 10 February 2027 | | 90.07
| 45.85 | 1.36 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 23 | 28 | 10 March 2027 | | 43.76
| 46.31 | 0.9 | 0.0 | 0.0 | 47.21 | 0.0 | 0.0 |
0.0 | 47.21 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 43.76 | 0.44 | 0.0 | 0.0 | 44.2 | 0.0 | 0.0 |
0.0 | 44.2 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 129.03 | 0.0 | 0.0 | 1130.03 | 120.0 |
120.0 | 0.0 | 1010.03 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 |
0.0 | 0.0 | 851.0 | true | false |
+ | 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 April 2025 | Repayment | 120.0 | 116.66 | 3.34 |
0.0 | 0.0 | 884.34 | false | false |
+ When Admin sets the business date to "15 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 10 April 2025 | Repayment | 150.0 | 150.0 | 0.0 |
0.0 | 0.0 | 851.0 | true | false |
+ | 11 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Accrual | 1.0 | 0.0 | 1.0 |
0.0 | 0.0 | 0.0 | false | false |
+ | 14 April 2025 | Repayment | 120.0 | 116.66 | 3.34 |
0.0 | 0.0 | 884.34 | false | false |
+ | 14 April 2025 | Accrual | 0.34 | 0.0 | 0.34 |
0.0 | 0.0 | 0.0 | false | false |
+
+ @TestRailId:C3616
+ Scenario: Verify early repayment on high interest loan works properly and
align the interest properly with charge trans and charge-off transactions - UC4
+ When Admin sets the business date to "10 April 2025"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct |
submitted on date | with Principal | ANNUAL interest rate % | interest type
| interest calculation period | amortization type | loanTermFrequency |
loanTermFrequencyType | repaymentEvery | repaymentFrequencyType |
numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment |
interest free period | Payment strategy |
+ | LP2_ADV_CUSTOM_PMT_ALLOC_PROGRESSIVE_LOAN_SCHEDULE_HORIZONTAL | 10
April 2025 | 1001 | 33 | DECLINING_BALANCE |
DAILY | EQUAL_INSTALLMENTS | 24 | MONTHS
| 1 | MONTHS | 24 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "10 April 2025" with "1001"
amount and expected disbursement date on "10 April 2025"
+ When Admin successfully disburse the loan on "10 April 2025" with "1001"
EUR transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | | 971.0
| 30.0 | 27.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 2 | 31 | 10 June 2025 | | 940.17
| 30.83 | 26.7 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 3 | 30 | 10 July 2025 | | 908.49
| 31.68 | 25.85 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 4 | 31 | 10 August 2025 | | 875.94
| 32.55 | 24.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 5 | 31 | 10 September 2025 | | 842.5
| 33.44 | 24.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 6 | 30 | 10 October 2025 | | 808.14
| 34.36 | 23.17 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 7 | 31 | 10 November 2025 | | 772.83
| 35.31 | 22.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 8 | 30 | 10 December 2025 | | 736.55
| 36.28 | 21.25 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 9 | 31 | 10 January 2026 | | 699.28
| 37.27 | 20.26 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 10 | 31 | 10 February 2026 | | 660.98
| 38.3 | 19.23 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 11 | 28 | 10 March 2026 | | 621.63
| 39.35 | 18.18 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 12 | 31 | 10 April 2026 | | 581.19
| 40.44 | 17.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 13 | 30 | 10 May 2026 | | 539.64
| 41.55 | 15.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 14 | 31 | 10 June 2026 | | 496.95
| 42.69 | 14.84 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 15 | 30 | 10 July 2026 | | 453.09
| 43.86 | 13.67 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 16 | 31 | 10 August 2026 | | 408.02
| 45.07 | 12.46 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 17 | 31 | 10 September 2026 | | 361.71
| 46.31 | 11.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 18 | 30 | 10 October 2026 | | 314.13
| 47.58 | 9.95 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 19 | 31 | 10 November 2026 | | 265.24
| 48.89 | 8.64 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 20 | 30 | 10 December 2026 | | 215.0
| 50.24 | 7.29 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 21 | 31 | 10 January 2027 | | 163.38
| 51.62 | 5.91 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 22 | 31 | 10 February 2027 | | 110.34
| 53.04 | 4.49 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 23 | 28 | 10 March 2027 | | 55.84
| 54.5 | 3.03 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 55.84 | 1.54 | 0.0 | 0.0 | 57.38 | 0.0 | 0.0 |
0.0 | 57.38 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 379.57 | 0.0 | 0.0 | 1380.57 | 0.0 | 0.0
| 0.0 | 1380.57 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ When Admin runs inline COB job for Loan
+ When Admin sets the business date to "13 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92 |
0.0 | 0.0 | 0.0 | false | false |
+ And Admin adds "LOAN_NSF_FEE" due date charge with "13 April 2025" due
date and 115 EUR transaction amount
+ And Admin waives due date charge
+ And Loan Charges tab has the following data:
+ | Name | isPenalty | Payment due at | Due as of | Calculation
type | Due | Paid | Waived | Outstanding |
+ | NSF fee | true | Specified due date | 13 April 2025 | Flat
| 115.0 | 0.0 | 115.0 | 0.0 |
+ And Admin does charge-off the loan on "13 April 2025"
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | | 971.0
| 30.0 | 27.53 | 0.0 | 115.0 | 172.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 2 | 31 | 10 June 2025 | | 940.17
| 30.83 | 26.7 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 3 | 30 | 10 July 2025 | | 908.49
| 31.68 | 25.85 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 4 | 31 | 10 August 2025 | | 875.94
| 32.55 | 24.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 5 | 31 | 10 September 2025 | | 842.5
| 33.44 | 24.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 6 | 30 | 10 October 2025 | | 808.14
| 34.36 | 23.17 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 7 | 31 | 10 November 2025 | | 772.83
| 35.31 | 22.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 8 | 30 | 10 December 2025 | | 736.55
| 36.28 | 21.25 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 9 | 31 | 10 January 2026 | | 699.28
| 37.27 | 20.26 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 10 | 31 | 10 February 2026 | | 660.98
| 38.3 | 19.23 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 11 | 28 | 10 March 2026 | | 621.63
| 39.35 | 18.18 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 12 | 31 | 10 April 2026 | | 581.19
| 40.44 | 17.09 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 13 | 30 | 10 May 2026 | | 539.64
| 41.55 | 15.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 14 | 31 | 10 June 2026 | | 496.95
| 42.69 | 14.84 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 15 | 30 | 10 July 2026 | | 453.09
| 43.86 | 13.67 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 16 | 31 | 10 August 2026 | | 408.02
| 45.07 | 12.46 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 17 | 31 | 10 September 2026 | | 361.71
| 46.31 | 11.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 18 | 30 | 10 October 2026 | | 314.13
| 47.58 | 9.95 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 19 | 31 | 10 November 2026 | | 265.24
| 48.89 | 8.64 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 20 | 30 | 10 December 2026 | | 215.0
| 50.24 | 7.29 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 21 | 31 | 10 January 2027 | | 163.38
| 51.62 | 5.91 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 22 | 31 | 10 February 2027 | | 110.34
| 53.04 | 4.49 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 23 | 28 | 10 March 2027 | | 55.84
| 54.5 | 3.03 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 55.84 | 1.54 | 0.0 | 0.0 | 57.38 | 0.0 | 0.0 |
0.0 | 57.38 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 379.57 | 0.0 | 115.0 | 1495.57 | 0.0 | 0.0
| 0.0 | 1380.57 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest
| Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0
| 0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92
| 0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92
| 0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Waive loan charges | 115.0 | 0.0 | 0.0
| 0.0 | 0.0 | 1001.0 | false | false |
+ | 13 April 2025 | Accrual | 0.91 | 0.0 | 0.91
| 0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Charge-off | 1380.57 | 1001.0 | 379.57
| 0.0 | 0.0 | 0.0 | false | false |
+ When Admin sets the business date to "14 April 2025"
+ When Admin runs inline COB job for Loan
+ And Customer makes "AUTOPAY" repayment on "12 April 2025" with 250 EUR
transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 12 April 2025 | 945.31
| 55.69 | 1.84 | 0.0 | 115.0 | 172.53 | 57.53 | 57.53 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 12 April 2025 | 887.78
| 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | 12 April 2025 | 830.25
| 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 |
0.0 | 0.0 |
+ | 4 | 31 | 10 August 2025 | 12 April 2025 | 772.72
| 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 57.53 | 57.53 |
0.0 | 0.0 |
+ | 5 | 31 | 10 September 2025 | | 715.19
| 57.53 | 0.0 | 0.0 | 0.0 | 57.53 | 19.88 | 19.88 |
0.0 | 37.65 |
+ | 6 | 30 | 10 October 2025 | | 715.19
| 0.0 | 57.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 7 | 31 | 10 November 2025 | | 715.19
| 0.0 | 57.53 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 8 | 30 | 10 December 2025 | | 703.73
| 11.46 | 46.07 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 9 | 31 | 10 January 2026 | | 665.55
| 38.18 | 19.35 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 10 | 31 | 10 February 2026 | | 626.32
| 39.23 | 18.3 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 11 | 28 | 10 March 2026 | | 586.01
| 40.31 | 17.22 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 12 | 31 | 10 April 2026 | | 544.6
| 41.41 | 16.12 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 13 | 30 | 10 May 2026 | | 502.05
| 42.55 | 14.98 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 14 | 31 | 10 June 2026 | | 458.33
| 43.72 | 13.81 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 15 | 30 | 10 July 2026 | | 413.4
| 44.93 | 12.6 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 16 | 31 | 10 August 2026 | | 367.24
| 46.16 | 11.37 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 17 | 31 | 10 September 2026 | | 319.81
| 47.43 | 10.1 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 18 | 30 | 10 October 2026 | | 271.07
| 48.74 | 8.79 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 19 | 31 | 10 November 2026 | | 220.99
| 50.08 | 7.45 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 20 | 30 | 10 December 2026 | | 169.54
| 51.45 | 6.08 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 21 | 31 | 10 January 2027 | | 116.67
| 52.87 | 4.66 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 22 | 31 | 10 February 2027 | | 62.35
| 54.32 | 3.21 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 23 | 28 | 10 March 2027 | | 6.53
| 55.82 | 1.71 | 0.0 | 0.0 | 57.53 | 0.0 | 0.0 |
0.0 | 57.53 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 6.53 | 0.18 | 0.0 | 0.0 | 6.71 | 0.0 | 0.0 |
0.0 | 6.71 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 328.9 | 0.0 | 115.0 | 1444.9 | 250.0 | 250.0
| 0.0 | 1079.9 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest
| Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0
| 0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 0.92 | 0.0 | 0.92
| 0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 0.92 | 0.0 | 0.92
| 0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Repayment | 250.0 | 248.16 | 1.84
| 0.0 | 0.0 | 752.84 | false | false |
+ | 13 April 2025 | Waive loan charges | 115.0 | 0.0 | 0.0
| 0.0 | 0.0 | 752.84 | false | false |
+ | 13 April 2025 | Accrual | 0.91 | 0.0 | 0.91
| 0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Accrual Adjustment | 0.22 | 0.0 | 0.22
| 0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Charge-off | 1079.9 | 752.84 | 327.06
| 0.0 | 0.0 | 0.0 | false | true |
+
+ @TestRailId:C3617
+ Scenario: Verify early repayment on high interest loan works properly and
align the interest properly with MIR and no interest recalculation - UC5
+ When Admin sets the business date to "10 April 2025"
+ When Admin creates a client with random data
+ When Admin creates a fully customized loan with the following data:
+ | LoanProduct | submitted on date |
with Principal | ANNUAL interest rate % | interest type | interest
calculation period | amortization type | loanTermFrequency |
loanTermFrequencyType | repaymentEvery | repaymentFrequencyType |
numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment |
interest free period | Payment strategy |
+ | LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_ACTUAL | 10 April 2025 |
1001 | 40 | DECLINING_BALANCE | DAILY
| EQUAL_INSTALLMENTS | 24 | MONTHS | 1
| MONTHS | 24 | 0
| 0 | 0 |
ADVANCED_PAYMENT_ALLOCATION |
+ And Admin successfully approves the loan on "10 April 2025" with "1001"
amount and expected disbursement date on "10 April 2025"
+ When Admin successfully disburse the loan on "10 April 2025" with "1001"
EUR transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | | 972.79
| 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 2 | 31 | 10 June 2025 | | 944.72
| 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 3 | 30 | 10 July 2025 | | 914.63
| 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 4 | 31 | 10 August 2025 | | 884.55
| 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 5 | 31 | 10 September 2025 | | 853.44
| 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 6 | 30 | 10 October 2025 | | 820.31
| 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 7 | 31 | 10 November 2025 | | 786.99
| 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 8 | 30 | 10 December 2025 | | 751.64
| 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 9 | 31 | 10 January 2026 | | 715.95
| 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 10 | 31 | 10 February 2026 | | 679.03
| 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 11 | 28 | 10 March 2026 | | 638.58
| 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 12 | 31 | 10 April 2026 | | 599.0
| 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 13 | 30 | 10 May 2026 | | 557.39
| 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 14 | 31 | 10 June 2026 | | 515.01
| 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 15 | 30 | 10 July 2026 | | 470.6
| 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 16 | 31 | 10 August 2026 | | 425.23
| 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 17 | 31 | 10 September 2026 | | 378.3
| 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 18 | 30 | 10 October 2026 | | 329.33
| 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 19 | 31 | 10 November 2026 | | 279.09
| 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 20 | 30 | 10 December 2026 | | 226.81
| 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 21 | 31 | 10 January 2027 | | 173.04
| 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 22 | 31 | 10 February 2027 | | 117.42
| 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 23 | 28 | 10 March 2027 | | 59.49
| 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 0.0 | 0.0 |
0.0 | 61.54 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 0.0 | 0.0
| 0.0 | 1477.88 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ When Admin runs inline COB job for Loan
+ When Admin sets the business date to "13 April 2025"
+ When Admin runs inline COB job for Loan
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 |
0.0 | 0.0 | 0.0 | false | false |
+ And Customer makes "AUTOPAY" repayment on "13 April 2025" with 300 EUR
transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 13 April 2025 | 972.79
| 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 13 April 2025 | 944.72
| 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | 13 April 2025 | 914.63
| 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 4 | 31 | 10 August 2025 | 13 April 2025 | 884.55
| 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 5 | 31 | 10 September 2025 | | 853.44
| 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 53.68 | 53.68 |
0.0 | 7.9 |
+ | 6 | 30 | 10 October 2025 | | 820.31
| 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 7 | 31 | 10 November 2025 | | 786.99
| 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 8 | 30 | 10 December 2025 | | 751.64
| 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 9 | 31 | 10 January 2026 | | 715.95
| 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 10 | 31 | 10 February 2026 | | 679.03
| 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 11 | 28 | 10 March 2026 | | 638.58
| 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 12 | 31 | 10 April 2026 | | 599.0
| 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 13 | 30 | 10 May 2026 | | 557.39
| 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 14 | 31 | 10 June 2026 | | 515.01
| 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 15 | 30 | 10 July 2026 | | 470.6
| 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 16 | 31 | 10 August 2026 | | 425.23
| 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 17 | 31 | 10 September 2026 | | 378.3
| 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 18 | 30 | 10 October 2026 | | 329.33
| 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 19 | 31 | 10 November 2026 | | 279.09
| 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 20 | 30 | 10 December 2026 | | 226.81
| 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 21 | 31 | 10 January 2027 | | 173.04
| 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 22 | 31 | 10 February 2027 | | 117.42
| 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 23 | 28 | 10 March 2027 | | 59.49
| 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 0.0 | 0.0 |
0.0 | 61.58 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 0.0 | 0.0 |
0.0 | 61.54 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 300.0 | 300.0
| 0.0 | 1177.88 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal | Interest |
Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0 |
0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11 |
0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11 |
0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Repayment | 300.0 | 147.56 | 152.44 |
0.0 | 0.0 | 853.44 | false | false |
+ When Admin sets the business date to "14 April 2025"
+ When Admin runs inline COB job for Loan
+ When Admin makes "MERCHANT_ISSUED_REFUND" transaction with "AUTOPAY"
payment type on "14 April 2025" with 100 EUR transaction amount
+ Then Loan Repayment schedule has 24 periods, with the following data for
periods:
+ | Nr | Days | Date | Paid date | Balance of loan
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance |
Late | Outstanding |
+ | | | 10 April 2025 | | 1001.0
| | | 0.0 | | 0.0 | 0.0 | |
| |
+ | 1 | 30 | 10 May 2025 | 13 April 2025 | 972.79
| 28.21 | 33.37 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 2 | 31 | 10 June 2025 | 13 April 2025 | 944.72
| 28.07 | 33.51 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 3 | 30 | 10 July 2025 | 13 April 2025 | 914.63
| 30.09 | 31.49 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 4 | 31 | 10 August 2025 | 13 April 2025 | 884.55
| 30.08 | 31.5 | 0.0 | 0.0 | 61.58 | 61.58 | 61.58 |
0.0 | 0.0 |
+ | 5 | 31 | 10 September 2025 | | 853.44
| 31.11 | 30.47 | 0.0 | 0.0 | 61.58 | 53.93 | 53.93 |
0.0 | 7.65 |
+ | 6 | 30 | 10 October 2025 | | 820.31
| 33.13 | 28.45 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 7 | 31 | 10 November 2025 | | 786.99
| 33.32 | 28.26 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 8 | 30 | 10 December 2025 | | 751.64
| 35.35 | 26.23 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 9 | 31 | 10 January 2026 | | 715.95
| 35.69 | 25.89 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 10 | 31 | 10 February 2026 | | 679.03
| 36.92 | 24.66 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 11 | 28 | 10 March 2026 | | 638.58
| 40.45 | 21.13 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 12 | 31 | 10 April 2026 | | 599.0
| 39.58 | 22.0 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 13 | 30 | 10 May 2026 | | 557.39
| 41.61 | 19.97 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 14 | 31 | 10 June 2026 | | 515.01
| 42.38 | 19.2 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 15 | 30 | 10 July 2026 | | 470.6
| 44.41 | 17.17 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 16 | 31 | 10 August 2026 | | 425.23
| 45.37 | 16.21 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 17 | 31 | 10 September 2026 | | 378.3
| 46.93 | 14.65 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 18 | 30 | 10 October 2026 | | 329.33
| 48.97 | 12.61 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 19 | 31 | 10 November 2026 | | 279.09
| 50.24 | 11.34 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 20 | 30 | 10 December 2026 | | 226.81
| 52.28 | 9.3 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 21 | 31 | 10 January 2027 | | 173.04
| 53.77 | 7.81 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 22 | 31 | 10 February 2027 | | 117.42
| 55.62 | 5.96 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 23 | 28 | 10 March 2027 | | 59.49
| 57.93 | 3.65 | 0.0 | 0.0 | 61.58 | 5.25 | 5.25 |
0.0 | 56.33 |
+ | 24 | 31 | 10 April 2027 | | 0.0
| 59.49 | 2.05 | 0.0 | 0.0 | 61.54 | 5.25 | 5.25 |
0.0 | 56.29 |
+ Then Loan Repayment schedule has the following data in Total row:
+ | Principal due | Interest | Fees | Penalties | Due | Paid | In
advance | Late | Outstanding |
+ | 1001.0 | 476.88 | 0.0 | 0.0 | 1477.88 | 400.0 | 400.0
| 0.0 | 1077.88 |
+ Then Loan Transactions tab has the following data:
+ | Transaction date | Transaction Type | Amount | Principal |
Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
+ | 10 April 2025 | Disbursement | 1001.0 | 0.0 | 0.0
| 0.0 | 0.0 | 1001.0 | false | false |
+ | 11 April 2025 | Accrual | 1.11 | 0.0 | 1.11
| 0.0 | 0.0 | 0.0 | false | false |
+ | 12 April 2025 | Accrual | 1.11 | 0.0 | 1.11
| 0.0 | 0.0 | 0.0 | false | false |
+ | 13 April 2025 | Repayment | 300.0 | 147.56 |
152.44 | 0.0 | 0.0 | 853.44 | false | false |
+ | 13 April 2025 | Accrual | 1.12 | 0.0 | 1.12
| 0.0 | 0.0 | 0.0 | false | false |
+ | 14 April 2025 | Merchant Issued Refund | 100.0 | 95.0 | 5.0
| 0.0 | 0.0 | 758.44 | false | false |
+
@TestRailId:C3590
Scenario: Verify no accrual activity created for approved interest bearing
loan
When Admin sets the business date to "03 June 2025"
